Keseimbangan Antara Inovasi Teknologi dan Kepatuhan Regulasi: Tantangan dalam Mengintegrasikan Artificial Intellegence (AI) dalam Manajemen Keuangan
DOI:
https://doi.org/10.31004/money.v2i1.21438Keywords:
Artificial Intellegence, Manajemen Keuangan, Kepatuhan Regulasi.Abstract
Integrasi AI dalam manajemen keuangan memunculkan tantangan signifikan dalam menjaga keseimbangan antara inovasi teknologi dan kepatuhan regulasi. Artikel ini bertujuan untuk menganalisis kompleksitas integrasi AI dalam manajemen keuangan dalam menjaga keseimbangan antara inovasi teknologi dan kepatuhan regulasi. Fokus utama adalah ketegangan antara fleksibilitas inovasi teknologi dan kebutuhan untuk mematuhi regulasi keuangan yang kompleks. Terdapat tiga tantangan utama yang diidentifikasi, yaitu ketidakpastian regulasi, risiko keamanan dan privasi data. Penelitian ini menggunakan metode studi literatur mencakup pencarian dan analisis sumber-sumber untama, termasuk jurnal, buku, dan laporan penelitian, untuk menyajikan gambaran komprehensif tentang isu-isu tersebut. Hasil penelitian menunjukkan pandangan mendalam tentang tantangan dan risiko yang muncul, sekaligus mengeksplorasi solusi strategis dan pendekatan teknologi untuk mengatasinya. Kontribusi utama artikel ini adalah menguraikan framework konseptual yang memadukan aspek kepatuhan regulasi dan inovasi AI dalam konteks manajemen keuangan serta memberikan pemahaman mendalam yang belum terakomodasi sebelumnya. Penelitian ini dapat memberikan panduan praktis bagi institusi keuangan untuk merancang strategi implementasi AI yang efektif, sekaligus mematuhi ketentuan regulasi, dan merangsang perkembangan literatur pada integrasi AI di sektor keuangan.References
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